Footnote Important Account Disclosures
For all products listed on this page the Annual Percentage Yield (APY) is accurate as of 12/07/09. For our standard Rates/APYs, please call 305-514-6900 or 1-866-514-6900, Monday – Friday, 8:30 am to 5:30 pm or stop by a neighborhood Solution Center. Certain retirement accounts, including Traditional IRAs, are insured by the FDIC up to $250,000 per depositor.

Footnote¹ This account is a Uniform Transfer to Minors Act (UTMA) savings account. You agree this account will be governed by the Uniform Transfer to Minors Act of the state of Florida. All funds deposited in the account irrevocably become the property of the minor, but are to be managed for the minor’s benefit by the custodian until the minor reaches the age of 21, at which time the custodian is responsible for distributing the funds to the minor. Only one custodian (who must be over the age of 21) and one minor per account. The law imposes certain fiduciary and record keeping obligations on the UTMA account custodian and requires that interest earnings are reported to the IRS under the minor’s Social Security number. If you are not certain whether an UTMA account is the right choice for you, we strongly urge you to seek professional legal, tax, investment and/or estate planning advice before opening the account. The offering of a Uniform Transfer to Minors Act (UTMA) savings account should not be construed in any way as the providing of legal or tax advice by Great Florida Bank.

Footnote² The Sum of YOU Checking account (linked to the Sum of YOU Savings account) could be charged if the combined balances do not meet one of the following criteria: Maintain $5,000 average daily balance in your Sum of YOU Checking account, or $15,000 combined average daily balance (including the Sum of YOU Checking) in linked personal savings or money market account (you must be the primary or secondary owner), or $20,000 minimum daily outstanding balance in linked Home Equity Line of Credit or Home Equity Loan.

Footnote³ The APY on all Certificates of Deposit with maturities greater than one year are based on interest being paid annually. The rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Footnote⁴ Interest is variable, compounded daily on collected balances and paid monthly. Rates may change after the account is opened.

Footnote⁵ Regulatory transfer and withdrawal limits for savings and money market accounts – the limit is six (6) pre-authorized transfers or withdrawals (including checks, debit cards, or similar order payable to third parties) from your account per monthly statement period. Other withdrawals that are included in the limitation of six (6) are transfers and payments made via personal computer or initiated by phone, pre-authorized payments and overdraft protection transfers. A fee will apply to transfers or withdrawals in excess of six during the monthly statement period. Accounts that exceed the limits three times during the last twelve consecutive months will be closed or converted to a non-interest bearing type of account. The following are NOT included in the limit – withdrawals made in-person at a Solution Center or at an Automated Teller Machine.

Footnote⁷ Insufficient or uncollected funds and/or overdraft fees may be charged to your checking account if the available balance in your linked savings or money market account is not enough to cover the overdraft amount.

Footnote⁸ We will not charge you a fee to use Unlimited Mobile Banking or On-Demand Text Message Alerts services however, check with your wireless carrier for fees that may apply.

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